Page 76 - Texas Rangers 2022 Front Office Flipbook

RANGERS BASEBALL LLC

Long Term Disability Insurance
can replace part of your income if a disability keeps you out of work
for a long period of time.

How does it work? What’s covered?
This employer-paid coverage pays a monthly benefit if you
have a covered illness or injury and you can’t work for a few This insurance may cover a variety of conditions and
months — or even longer. injuries. Here are Unum’s top reasons for long term
1
disability claims:
You’re generally considered disabled if you’re unable to do • Cancer
important parts of your job — and your income suffers as • Back disorders
a result. • Injuries
Why is this coverage so valuable? • Cardiovascular
• Joint disorders
Your employer is paying the cost of this coverage. You can
use the money however you choose. It can help you pay This plan does not cover pre-existing conditions. See
for your rent or mortgage, groceries, out-of-pocket medical the disclosure section to learn more.
expenses and more.
What else is included?
How much coverage can I get?
Work-life balance EAP
You* You are eligible for coverage if you are an active Get access to professional help for a range of personal and
employee in the United States working a minimum of work-related issues, including counselor referrals, financial
30 hours per week. planning and legal support.
Coverage amounts Worldwide emergency travel assistance
Cover 60% of your monthly income, up to a maximum
payment of $5,000. One phone call gets you and your family immediate help
Consider your monthly expenses anywhere in the world, as long as you’re traveling 100 or
*See the Legal Disclosures for more information.
more miles from home. However, a spouse traveling on
The monthly benefit may be reduced or offset by other sources of income. The IRS may
$_______
Food
require you to pay taxes on certain benefit payments. See your tax advisor for details. business for his or her employer is not covered.
Survivor benefit
! Transportation _______ If you die while you’ve been disabled and receiving benefits
RANGERS BASEBALL LLC is paying the cost of this coverage.
(gas, car payments, repairs)
Coverage is guaranteed so you don’t have to answer medical
questions. Child care/elder care _______ for at least 180 days, your family could get a benefit equal to
3 months of your gross disability payment.
Mortgage/rent _______
Elimination period (EP) _______ Waiver of premium
Utilities
If you’re disabled and receiving benefit payments, Unum
Your elimination period is 90 days. This is the number of days that
(electric, water, cable, phone)
must pass after a covered accident or illness before you can begin to waives your cost until you return to work.
receive benefits. Medical costs _______
(co-pays, medications)
Benefit duration (BD) _______
Insurance
This is the maximum length of time you can receive benefits while
(health, life, car, home)
you’re disabled. You can receive benefits up to the Social Security
(SS) normal retirement age.
Total monthly expenses $_______

1 Unum internal data, 2018. Note: Causes are listed in ranked order.

EN-2044 (1-20) FOR EMPLOYEES 656922